If you don't qualify in your Cha-CHING checking account during the month, you'll still earn our base rate for your savings account. Both of your accounts are still free, and you can get back to earning high rates during the next monthly qualification cycle.

Cha-CHING $aver Combined With Cha-CHING Ca$h

*APY=Annual Percentage Yield. APYs accurate as of 09/01/2014. Rates may change after account is opened. Minimum to open is $100 for Cash and $100 for Cha-CHING $aver. For Cha-CHING Ca$h, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to and including $10,000 receive APY of 2.01%; and (3) balances over $10,000 earn 0.15% interest rate on the portion of the balance over $10,000, resulting in 2.01% - 0.32% APY depending on the balance. If qualifications are not met on Cha-CHING Ca$h all balances earn 0.01% APY. Qualifying transactions must post to and settle Cha-CHING Ca$h account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Cha-CHING Ca$h APY is based on compounding interest. Interest earned in Cha-CHING Ca$h is automatically transferred to Cha-CHING $aver each statement cycle and does not compound. Actual interest amount paid may be less than advertised. The Cha-CHING $aver APYs may be less than Cha-CHING Ca$h APYs. If qualifications in Cha-CHING Ca$h are met each monthly qualification cycle: (1) balances up to and including $10,000 in Cha-CHING $aver receive an APY of 0.40%; and (2) balances over $10,000 in Cha-CHING $aver earn 0.15% interest rate on portion of balance over $10,000, resulting in 0.40% - 0.17% APY depending on the balance. If qualifications are not met on Cha-CHING Ca$h, all balances in Cha-CHING $aver earn 0.01% APY. Limit one account per SSN.

Cha-CHING $aver Combined With Cha-CHING Ca$h Back

*APY=Annual Percentage Yield. APYs accurate as of 09/01/2014. Rates may change after account is opened. Minimum to open is $100 for Cha-CHING Ca$h Back and $100 for Cha-CHING $aver. When monthly qualifications are met, you will receive 2% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Domestic ATM fees incurred using Cha-CHING Ca$h Back debit card during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Cha-CHING Ca$h Back rewards will be credited to your Cha-CHING $aver account on the last day of the monthly statement cycle. If qualifications in Cha-CHING Ca$h Back are met each monthly qualification cycle: (1) balances up to and including $10,000 in Cha-CHING $aver receive an APY of 0.40%; and (2) balances over $10,000 in Cha-CHING $aver earn 0.15% interest rate on the portion of the balance over $10,000, resulting in .40% - 0.17% APY depending on the balance. If qualifications are not met on Cha-CHING Ca$h Back, all balances in the Cha-CHING $aver earn 0.01% APY. Limit one account per SSN.